As part of our ongoing efforts to collate and share real-life claim stories from across the industry, this page brings together some of the life insurance claim case studies from insurers and advisers. Given the difficult nature of a life insurance claim, case studies can be hard to come by, so we would encourage as many insurers and advisers to share stories with us as and when they get them. 

Terminal Illness

Pete’s Story

In 2018, aged just 35 Pete was diagnosed with terminal lung cancer and claimed on the terminal illness benefit of his Legal & General life insurance policy (that he’d had in place for 4 years). As Pete says in the video:

“You think you’ll never need it until you get old. Nothing will ever happen to me…”

Further Reading

To find out more about life insurance, follow the links below to some of our most recent articles.

Type 2 Diabetes: The Diagnosis Every Adviser Sees

Type 2 diabetes affects health and protection options. Learn how to reduce risk, spot complications early and understand the impact on life, CI and IP cover.

Huntington’s Disease: The Race Against Time (Part Three)

Explore how Huntington’s disease affects critical illness, life and income protection, and why early planning can improve cover options.

Huntington’s Disease – The £500,000 Cut Off (Part Two)

Understand when insurers can ask about Huntington’s genetic test results, the £500,000 life cover rule, and what advisers must disclose.

Huntington’s Disease- The 50-50 Inheritance (Part One)

Learn how Huntington’s disease affects families and protection advice, including inheritance risk, symptoms, prevalence and why early planning matters.

Restless Legs Syndrome: What Advisers Need to Know About an Overlooked Condition

Restless legs syndrome is common but often overlooked. Learn what advisers need to know about symptoms, treatment and underwriting implications.

E-Cigarettes and Insurance: Is It Time for a New Perspective?

Explore the evolving landscape of e-cigarettes and insurance in our latest article, “E-Cigarettes and Insurance: Is It Time for a New Perspective?”

The above stories are prime examples of scenarios that happen within the protection industry on a daily basis. Providers want to pay claims, indeed no insurer will decline a valid claim and they want to support their customers. There is now an abundance of claims statistics made available by providers. These, combined with claims stories from real life claimants, can paint a powerful picture. If the industry as a whole is able to produce more stories like these we can go a long way to changing the views of consumers and give more confidence in the products that can literally be a lifeline in the direst of circumstances.

If insurers/advisers/service providers have any other added value benefit claim videos they would like us to share via this page please get in contact here.